St. Mary's Bank is a member owned credit union. Membership is open to anyone with the purchase of one share of stock for $5.

(1) Annual Percentage Yield (APY) is accurate for all accounts listed, as of the date noted above.

(2) Variable rates are subject to change without notice, and after the account is opened.

(3) Monthly service fee waived with combined minimum daily balances in all St. Mary's deposit and loan accounts of $20,000.

(4) Available to Beyond Rewards Checking account holders.

(5) Simple interest will be credited to your account at the end of the club term. Interest rates are guaranteed from time of purchase to maturity. Premature withdrawals may reduce earnings. Subject to penalty for early withdrawal.

(8) Interest rates for CD's and CD IRA's are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal.

(9) Club account transfers are limited to a maximum of $100 per week over the 50 week period. 'Catch up' deposits are limited to the amount required to bring the club account current.

(10) $10 minimum opening deposit required.

(11) CD only – IRA ineligible for promotion.

(13) Fees may reduce earnings.

(14) One time penalty free withdrawal up to 25% of the principal balance. One time rate upgrade during initial term. One time additional deposit during initial term not to exceed original deposit amount. CD only – IRA ineligible for promotion.

(18) Minimum $25.00 monthly automatic transfer from a St. Mary's Bank checking or from Direct Deposit required. One free withdrawal per month and $2.00 for each withdrawal thereafter. Limit one Rainy Day Savings per member.

(19) An interest rate of 4.889% will be paid only for that portion of your daily balance that is greater than $25. The annual percentage yield for this tier will be 5.00%. An interest rate of 2.96% will be paid only for that portion of your daily balance that is greater than $499.99. The annual percentage yield for this tier will range from 3.00% to 5.00%, depending on the balance in the account. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $999.99. The annual percentage yield for this tier will range from 0.05% to 5.00%, depending on the balance in the account.

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